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Why does the insurance company issue a ROR, otherwise known as a Reservation of Rights? May Camp

May 9 @ 8:00 am - May 13 @ 5:00 pm UTC-5


Class will be held May 9-13th, 2022

902 51st Street

Galveston, Texas 77551

Session 0005-22


Why does your insurance company issue a ROR, otherwise known as a Reservation of Rights?

Sometimes, the answer is so simple, that folks complicate it.

  1. The Insurance policy is a Contract.
  2. The Contract requires the insured, not the insurance company, to “perform” after the loss.
  3. This performance is a Burden, installed upon the insured, prior to the insurer having to do anything, save acknowledge, which is done when claim number is provided, and BEGIN an investigation. Why single out BEGIN? Because that is all that is required of them. It is up to the insured, or their legal representative, to perform fully under the “Duties after a loss section”, and present that to the carrier.
  4. Only then, once that performance is complete, can the actual clock start. In Texas, 15 business days to… “COMPLETE” their investigation.
  5. Currently, these same carriers have convinced the world that no conflict of interest exists when you, the person who owes, can dictate if, or how much… One of the largest conflicts of interest known to man.

Understanding the above makes this easier.

Anytime the carrier steps out and provides a “Good Faith” or “Good Will” gesture, by paying for anything without full performance from the insured, according to the Policy/Contract, they are in danger of setting a precedent on that claim, of taking over the insured’s “burden”. The ROR maintains that “Right”, to hold the insured accountable for anything they DID NOT perform, that was required.



May 9 @ 8:00 am UTC-5
May 13 @ 5:00 pm UTC-5
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Cal Spoon
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Insurance Busters
902 51st Street
Galveston, TX 77551 United States
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